BAMBER ASSOCIATES LIMITED
🌳Matureactive
06999600 · ltd · incorporated 2009-08-24
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
—
book net assets
Opportunity
68/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 68/100 (strong), bankability 55/100. Strong seller-intent signal (63/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (53/100).
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
56 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
68/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-09-30 | 2023-09-30 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2025-06-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-07-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-07-31📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-06-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-07-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-11-04📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2020-11-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-06-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-10-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-10-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-06-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-06-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-06-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-06-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-06-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-11-23➕SOLLY, Catherine Veronica appointeddirector
- 2018-11-23➕SOLLY, Stephen William appointeddirector
- 2018-11-23➖DOWSE, Amber Jane resigneddirector
- 2018-11-23➖DOWSE, Graham Norman resigneddirector
- 2018-03-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-21📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2011-04-12➕DOWSE, Amber Jane appointeddirector
- 2009-08-24🏢Company incorporatedAs BAMBER ASSOCIATES LIMITED
- 2009-08-24➕DOWSE, Graham Norman appointeddirector
Owner dependency
81/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 74 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 17 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high ·Accounts overdue
highStatutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2026-06-30
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Catherine Soly Individual · British · DOB 05/1981 · age 45 | 25–50% | — | 25-50% shares | 04/11/2020 |
1 historic (ceased) PSC
- Mr Graham Norman Dowseceased 30/09/2017· 75-100% shares · 75-100% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Financial services · CT postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 97 GROUP LIMITED→ 13156739 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| A M L ASSURES LTD→ 10382443 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| AGGI CHRISTOU MORTGAGES LTD→ 14006722 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AKP PROPERTY INVESTMENTS LTD→ 15890092 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AMRAK (EUROPE) LIMITED→ 10883825 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| APS CONSULTANCY LTD→ 09252321 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ASSISTANCE & COACHING COMPTABILITE & ADMINISTRATION LTD→ 10626200 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| AVOCET RISK MANAGEMENT LIMITED→ 07771117 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BEERSTECHER FAMILY INVESTMENT COMPANY LTD→ 10000047 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| BERNARD BARRETT ASSOCIATES LIMITED→ 02686396 · est 1992 · no financials extracted | — | — | — | — | 34y | — | — |
| BIRCHGATE INVESTMENTS LIMITED→ 09510938 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| BLACK FIN INVESTMENTS (UK) LIMITED→ 10285332 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →🔒Advanced scoring suite
Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Statusactive
Typeltd
Incorporated2009-08-24
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
Mackenzie House
Stelling Minnis
Canterbury
CT4 6AQ
England
Filing status
Accounts
Next due: 2026-06-30OVERDUE
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-08-14
Last: 2025-07-31
Officers (2 active · 2 resigned)
SOLLY, Catherine Veronica→
Activedirector · ~65y · appointed 2018-11-23
View their other companies + combined net worth →
SOLLY, Stephen William→
Activedirector · ~74y · appointed 2018-11-23
View their other companies + combined net worth →
DOWSE, Amber Jane→
Resigneddirector · ~60y · appointed 2011-04-12 · resigned 2018-11-23
DOWSE, Graham Norman→
Resigneddirector · ~79y · appointed 2009-08-24 · resigned 2018-11-23
Click a director name to see their full track record across all companies.
Recent filings (56 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-14
accounts-with-accounts-type-dormant
accounts · AA
2025-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-31
accounts-with-accounts-type-dormant
accounts · AA
2024-07-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-31
accounts-with-accounts-type-dormant
accounts · AA
2023-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-07
accounts-with-accounts-type-dormant
accounts · AA
2022-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-13
accounts-with-accounts-type-dormant
accounts · AA
2021-07-28
change-sail-address-company-with-old-address-new-address
address · AD02
2020-11-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-04
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2020-11-04
accounts-with-accounts-type-dormant
accounts · AA
2020-06-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-10-22